The document outlines 33 competitive advantages of the Purple Cow health insurance plan for small and medium enterprises (SMEs) compared to most health maintenance organization (HMO) plans. Some key advantages include offering the same benefits as large companies, allowing employees to see their own doctors for reimbursement, providing multiple employee benefits in one plan, and offering various payment options. It also highlights advantages like coverage for pre-existing and congenital conditions, benefits on top of PhilHealth, and optional annual physical exams.
As a newer Sugar user, one of the most critical features you will use everyday is Reports. We will provide you with basic information about the Reports Module, show you how to get started using Reports and update you on enhancements we're planning for future releases of Sugar.
Energy prices are the top concern of Americans among energy issues.
A plurality of Americans (43%) believe that energy prices are the most important energy issue facing the country today. And of those, 75% say that energy prices are are too high.
Roughly one quarter of Americans believe that expanding renewable energy sources (26%) and increasing the production of natural energy sources (23%) should be our primary focus.
While only eight percent of Americans view grid security as the most important energy issue in America, this issue has not gotten extensive media attention.
A plurality of Americans believes that our energy grid is not secure against a terrorist attack.
Forty-six percent (46%) of Americans say that they don’t believe that the nation’s energy grid is secure against a terrorist attack.
While 44% do say that the grid might be secure, only one-in-ten (11%) show confidence in that, saying they think it is very secure.
The public is still coming to a consensus on this issue, only 33% have strong opinions either way.
Americans overwhelmingly believe that securing our electric grid and infrastructure is a federal issue.
Nearly half (45%) of Americans say that securing our power grid is the role of the federal government.
Only one quarter (26%) say it is the utility companies’ job and fewer (23%) say it is a state government role.
While most American’s are less willing to pay more for better service, a strong minority (40%) indicate that they would be willing to pay more despite energy prices currently being the most important issue.
As a newer Sugar user, one of the most critical features you will use everyday is Reports. We will provide you with basic information about the Reports Module, show you how to get started using Reports and update you on enhancements we're planning for future releases of Sugar.
Energy prices are the top concern of Americans among energy issues.
A plurality of Americans (43%) believe that energy prices are the most important energy issue facing the country today. And of those, 75% say that energy prices are are too high.
Roughly one quarter of Americans believe that expanding renewable energy sources (26%) and increasing the production of natural energy sources (23%) should be our primary focus.
While only eight percent of Americans view grid security as the most important energy issue in America, this issue has not gotten extensive media attention.
A plurality of Americans believes that our energy grid is not secure against a terrorist attack.
Forty-six percent (46%) of Americans say that they don’t believe that the nation’s energy grid is secure against a terrorist attack.
While 44% do say that the grid might be secure, only one-in-ten (11%) show confidence in that, saying they think it is very secure.
The public is still coming to a consensus on this issue, only 33% have strong opinions either way.
Americans overwhelmingly believe that securing our electric grid and infrastructure is a federal issue.
Nearly half (45%) of Americans say that securing our power grid is the role of the federal government.
Only one quarter (26%) say it is the utility companies’ job and fewer (23%) say it is a state government role.
While most American’s are less willing to pay more for better service, a strong minority (40%) indicate that they would be willing to pay more despite energy prices currently being the most important issue.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
1. 8. W HY P URPLE C OW ? 33 Competitive Advantages Appendix:
2. 1 ‘Large’ Size Fits All SME : If you are an SME, with 10+ employees, you can join Purple Cow, be part of a bigger group, and be treated like a large company. (Unlike most HMO plans) You can enjoy the same toys as the Big Boys 1 Competitive Advantage #1: Purple Cow 2011 Why Purple Cow?
3. 2 Ways to Access Healthcare : you can see an HMO doctor for free, or your own doctor for reimbursement at the HMO rate – each time you avail. (Unlike most HMO plans) You can see your own doctor, cheaper 2 Competitive Advantage #2: Purple Cow 2011 Why Purple Cow?
4. 3 Major Employee Benefits in 1 Plan: you get Life, Accident & Health (medical HMO, dental HMO, optional APE, and Wellness program) – all in one plan. (Unlike most HMO plans) You get all the Employee Benefits you will ever need 3 Purple Cow 2011 Why Purple Cow? Competitive Advantage #3:
5. 4 Modes of Payment : you can choose from annual, semi-annual, quarterly, or monthly modes of payment to suit your cash flow or budget. (Unlike most HMO plans) You can pay Annual (60%), S.A. (5%), Qtr. (30%) or Mo. (5%) 4 Purple Cow 2011 Why Purple Cow? Competitive Advantage #4:
6. Up to 5 R&B x 3 MBL Choices each : you can choose up to 5 SME Room & Board categories x 3 Maximum Benefit Limits each to suit your wants, needs or budget. (Unlike most HMO plans) You can try new combinations to see if they are ‘sulit’ 5 Purple Cow 2011 Why Purple Cow? Competitive Advantage #5:
7. 100% Pre-Existing Conditions: you get 100% Pre-Existing Conditions coverage, up to MBL, for cancer, hypertension, diabetes, asthma, etc. (Unlike most HMO plans) You are covered for dreaded & non-dreaded diseases 6 Purple Cow 2011 Why Purple Cow? Competitive Advantage #6:
8. 100% Congenital Conditions : you get 100% Congenital Conditions coverage, up to MBL, for mitral valve pro-lapse, rheumatic heart disease, hernia, etc. (Unlike most HMO plans) You are covered for medical conditions since birth 7 Purple Cow 2011 Why Purple Cow? Competitive Advantage #7:
9. 8 Purple Cow 2011 Why Purple Cow? Benefits on Top of Philhealth : your HMO limits are on top of Philhealth , so you won’t need as much MBL. Your Benefits = Philhealth + MBL, not just MBL. (Unlike most HMO plans) You get full HMO benefits on top of Philhealth benefits Competitive Advantage #8:
10. Pooled Employee Utilization : your Employee utilization is pooled together with the employee utilization of all other groups, to spread your risk. (Unlike most HMO plans) You get to enjoy the safety of a bigger group 9 Purple Cow 2011 Why Purple Cow? Competitive Advantage #9:
11. Separate Dependent Utilization : your Employee and Dependent utilization are separate, so you won’t have to worry about Dependents affecting your rates. (Unlike most HMO plans) You can offer Dependent coverage without fear 10 Purple Cow 2011 Why Purple Cow? Competitive Advantage #10:
12. Life Insurance : your Life insurance benefit = 5x MBL. Twist: if you don’t die, but you’re totally and permanently disabled, TPDI = 5x MBL. (Unlike all HMO plans) 11 You can get 1 year’s worth of income replacement Purple Cow 2011 Why Purple Cow? Competitive Advantage #11:
13. Accidental Death Insurance : your Accidental Death benefit = 5x MBL. Twist: if you don’t die by accident, but by Murder, you get 5x MBL. (Unlike all HMO plans) You can get another year’s worth of income replacement 12 Purple Cow 2011 Why Purple Cow? Competitive Advantage #12:
14. Disability Insurance : your Disability benefit = __% of 5x MBL. Twist: if you don’t get disabled by accident, but by Assault, you get __% of 5x MBL. (Unlike all HMO plans) You can get up to 1 year’s worth of income replacement 13 Purple Cow 2011 Why Purple Cow? Competitive Advantage #13:
15. Medical HMO Network : you can get inpatient, outpatient and emergency treatment from 21,519 doctors, 352 hospitals, and 358 clinics nationwide. (unlike some HMO plans) You can go to MMC/ SLMC/ CSMC/ AHMC/ TMC/ Healthway 14 Purple Cow 2011 Why Purple Cow? Competitive Advantage #14:
16. Dental HMO Network : you can get 1 permanent filling, 2 oral prophylaxes, and 8 other benefits from 775 dentists and 645 clinics nationwide. (Unlike most HMO plans) You can go to SM/ Market 2 / Festival/ Robinson’s/ Shangrila/ ATC 15 Purple Cow 2011 Why Purple Cow? Competitive Advantage #15:
17. Optional Annual Physical Exam : you can customize your APE and request a designated or mobile clinic from GRA; or you can get a Basic 5 APE nationwide. (Unlike most HMO plans) You can decide if you want an APE, and if so, what kind 16 Purple Cow 2011 Why Purple Cow? Competitive Advantage #16:
18. Health & Wellness Program : ALGA will conduct a Comprehensive Wellness Program for your group 2x/year, based on your own set of health issues. (Unlike most HMO plans) You get seminars, screenings & protection measures 17 Purple Cow 2011 Why Purple Cow? Competitive Advantage #17:
19. Optional Outpatient Reimbursement: you can reimburse up to an aggregate limit of 1/10 th your Maximum Benefit Limit for Rx Medicines, Dental & Vision. (Unlike all HMO plans) You can get the best perks of medical insurance as well 18 Purple Cow 2011 Why Purple Cow? Competitive Advantage #18:
20. Same Benefits for Dependents : Dependents can get the same benefits, terms and conditions as Employees (as well as the same costs in 2011). (Unlike most, if not all, HMO plans) Your Dependents are treated like Employees 19 Purple Cow 2011 Why Purple Cow? Competitive Advantage #19:
21. The Price is Right : Purple Cow rates are lowest where they matter the most: in the 2 lowest categories, where you enroll up to 90% of your staff. (Unlike most HMO plans) You get the greater good for the greater number 20 Purple Cow 2011 Why Purple Cow? Competitive Advantage #20:
22. The Design is Right : Purple Cow provides medical necessity, not luxury. Savings from excess R&B/MBL are reallocated to benefits of greater use. (Unlike most HMO plans) Your R&B/MBL combos are good up to 99% of the time 21 Purple Cow 2011 Why Purple Cow? Competitive Advantage #21:
23. The Perfect Insurer : you get the biggest name in group life and medical, and the only insurance company in the PH today that offers an HMO-type plan. (Unlike all insurance companies) You get the best of both INS & HMO worlds from ALGA 22 Purple Cow 2011 Why Purple Cow? Competitive Advantage #22:
24. The Perfect Broker : you get to retain the services of the #1 Filipino, family-owned, full-line insurance brokerage in the PH today. (Unlike most brokers) You can outsource all your lines of insurance to GRA 23 Purple Cow 2011 Why Purple Cow? Competitive Advantage #23:
25. Buy Now, Pay Later : you can sign up today, get covered right away, and pay later when GRA bills you (during your EB orientation, at the earliest). (Unlike some HMO plans) You can take advantage of the float 24 Purple Cow 2011 Why Purple Cow? Competitive Advantage #24:
26.
27. Utilization Reports : you get a detailed, user-friendly report that gives you insights into your own group’s utilization patterns. (Unlike some HMO plans) You can learn a lot about the state of your group’s health 26 Purple Cow 2011 Why Purple Cow? Competitive Advantage #26:
28. Group Renewal Rates : you get a group renewal rate increase or decrease at the start of every year, so you can plan accordingly. (Unlike most HMO plans) Your renewals become much less disruptive to your HR 27 Purple Cow 2011 Why Purple Cow? Competitive Advantage #27:
29. Group Experience Refund : you get to share in the excess, if any, of the group’s favorable utilization experience: ((premiums x 60% ) – (YTD + IBNR claims)) x 50% = Exp. Refund (Unlike most HMO plans) Good experience refund formulas keep Suppliers honest 28 Purple Cow 2011 Why Purple Cow? Competitive Advantage #28:
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31.
32. 31 Purple Cow 2011 Why Purple Cow? Non-Employees can Win, too : you can even cover agents, associations, and multi-purpose cooperatives, as long as certain selection & payment criteria are met. (Unlike most HMO plans) You can offer Employee Benefits to Non-Employees Competitive Advantage #31:
33. Virgins can Win Even More : you get a 1 st year Virgin promo rate if your company has never had group insurance or HMO before. (Unlike all HMO plans) You can renew at the prevailing Non-Virgin rates in 2012 32 Purple Cow 2011 Why Purple Cow? Competitive Advantage #32:
34. Large Companies can do a TPA : if you become a Large Company, you can self-insure as a stand-alone account, using the same Purple Cow schedule of benefits. (Unlike all TPA plans) You can switch from insured to self-insured plans easily 33 Purple Cow 2011 Why Purple Cow? Competitive Advantage #33:
35. For more information, please visit www.purplecow.ph , … or contact Tom Gotuaco via email or mobile phone.